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The Garfunkels, recently married, are navigating the home buying process, which has proven to be more complex than anticipated. Having previously lived with their parents and in a subpar rental, they've found their dream home but are overwhelmed by elements such as credit reports, mortgages, agents, lawyers, insurance, inspections, titles, and HOAs. The complexity makes them nostalgic for simpler times of bartering, though they recognize the risks without safeguards. This is where escrow comes in; it acts as a neutral third party that centralizes all transactions, holding money and titles securely until all parties meet their obligations, ensuring a smooth process.